BM2 Finanzas vs Harbor

BM2 Finanzas es la herramienta definitiva para los trabajadores colombianos que buscan estabilidad financiera. No solo controlas lo que gastas, sino que maximizas lo que ganas. Características principales: - Beneficios laborales para empleados: Calcula y proyecta automáticamente tus primas, cesantías e intereses para que siempre sepas cuánto recibirás. - Gestión de Ingresos: Controla tus salarios y otros ingresos adicionales de forma organizada. - Control de Gastos: Registra tus movimientos diarios en segundos y evita fugas de dinero. - Metas de Ahorro: Crea objetivos claros y monitorea tu progreso con gráficos intuitivos. - Gestión de Deudas: Organiza tus pagos y mantén un historial crediticio saludable. - Seguridad Avanzada: Acceso rápido y privado mediante biometría y Face ID. Optimiza tu economía con una aplicación diseñada para entender tus beneficios laborales y potenciar tu ahorro.

Harbor is for people who avoid looking at what they owe -- not because they don't care, but because looking feels like being judged. Open it and nothing bad happens. No score, no ranking, no red numbers, no lecture about what you should have done differently. Just the real total, and a quiet place to sit with it. You add what you owe by hand: the name, the balance, and -- if you know them -- the interest rate and the minimum payment. No bank linking, no account, no sign-up. Nothing you type here leaves this phone. WHAT'S INSIDE -- Your real total, right now, in your own currency (23 to choose from) -- A weekly check-in that takes under a minute: tap how it feels (heavy / okay / a bit lighter -- there is no wrong answer), update a balance if you know it, done -- "Since your last check-in" -- the interest that quietly added up while you were away. Information, not a scolding, and deliberately capped so it never becomes a frightening number -- A clear-by date: enter a rate and a monthly payment and Harbor estimates the month each debt finishes -- Progress counted from what you actually brought down, so entering a forgotten balance later can't erase it -- A history chart of your total over time -- Optional Face ID or passcode lock, because debt is something people hide from the people closest to them, not just from themselves -- An optional weekly reminder. One quiet nudge, nothing more -- Light, dark, or automatic appearance, in 15 languages WHAT HARBOR NEVER DOES -- No streaks. A missed week is never drawn as a broken chain -- No payoff strategy, no snowball-versus-avalanche coaching, no financial advice. This is not a coach. It's a mirror -- No bank connection, no account, no ads, no analytics, no tracking of any kind Harbor doesn't sell your data because it never collects any. Everything you enter stays on this device, and it is still there -- quiet, honest, and never judging you -- whenever you are ready to look again.